Meritlending.Com Mortgage Lending & HMDA Data, 2004
In 2004, Meritlending.Com of Costa Mesa, CA reported 2,493 mortgage applications totaling $452.3 million, up 14% from 2003. The average application was for $181,436, and applicants reported an average income of $68,237. 64% of its applications resulted in an originated loan and 2% were denied. Its largest markets were Riverside-San Bernardino-Ontario, CA (250), Chicago-Naperville-Joliet, IL (229) and Los Angeles-Long Beach-Glendale, CA (211) (applications in parentheses).
| Mortgage Company & Address | Meritlending.Com 575 Anton Blvd. #1050 Costa Mesa, CA 92626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,493 |
| Total Mortgage Loan Application Amount | $452,322,000 |
| Average Mortgage Loan Application Amount | $181,436 |
| Highest Mortgage Loan Application Amount | $1,102,000 |
| Average Applicant Income | $68,237 |
| Highest Applicant Income | $1,104,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Meritlending.Com filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Riverside-San Bernardino-Ontario, CA | 250 | $ 47,852,000 | $ 191,408 | $ 84,000 |
| Chicago-Naperville-Joliet, IL | 229 | $ 35,528,000 | $ 155,144 | $ 64,000 |
| Los Angeles-Long Beach-Glendale, CA | 211 | $ 49,430,000 | $ 234,265 | $ 67,000 |
| Atlanta-Sandy Springs-Marietta, GA | 119 | $ 18,811,000 | $ 158,075 | $ 68,000 |
| Santa Ana-Anaheim-Irvine, CA | 102 | $ 31,483,000 | $ 308,656 | $ 86,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 85 | $ 17,087,000 | $ 201,023 | $ 87,000 |
| Baltimore-Towson, MD | 76 | $ 12,683,000 | $ 166,881 | $ 73,000 |
| Oakland-Fremont-Hayward, CA | 57 | $ 16,155,000 | $ 283,421 | $ 111,000 |
| Fresno, CA | 53 | $ 6,593,000 | $ 124,396 | $ 47,000 |
| Orlando, FL | 52 | $ 7,174,000 | $ 137,961 | $ 54,000 |
| Bakersfield, CA | 51 | $ 5,493,000 | $ 107,705 | $ 58,000 |
| Redding, CA | 50 | $ 6,620,000 | $ 132,400 | $ 57,000 |
| Seattle-Bellevue-Everett, WA | 50 | $ 10,121,000 | $ 202,420 | $ 67,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 47 | $ 6,989,000 | $ 148,702 | $ 51,000 |
| San Diego-Carlsbad-San Marcos, CA | 45 | $ 11,213,000 | $ 249,177 | $ 120,000 |
| Tampa-St. Petersburg-Clearwater, FL | 41 | $ 4,940,000 | $ 120,487 | $ 53,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 41 | $ 7,716,000 | $ 188,195 | $ 75,000 |
| Stockton, CA | 38 | $ 6,212,000 | $ 163,473 | $ 60,000 |
| Miami-Miami Beach-Kendall, FL | 29 | $ 4,139,000 | $ 142,724 | $ 47,000 |
| Jacksonville, FL | 24 | $ 2,544,000 | $ 106,000 | $ 39,000 |
| Bethesda-Frederick-Gaithersburg, MD | 23 | $ 4,953,000 | $ 215,347 | $ 68,000 |
| Denver-Aurora, CO | 23 | $ 4,429,000 | $ 192,565 | $ 61,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 22 | $ 5,280,000 | $ 240,000 | $ 72,000 |
| Modesto, CA | 20 | $ 3,653,000 | $ 182,650 | $ 76,000 |
| Tacoma, WA | 20 | $ 3,217,000 | $ 160,850 | $ 47,000 |
| Vallejo-Fairfield, CA | 20 | $ 4,985,000 | $ 249,250 | $ 95,000 |
| Visalia-Porterville, CA | 20 | $ 2,320,000 | $ 116,000 | $ 45,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 19 | $ 2,147,000 | $ 113,000 | $ 45,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 18 | $ 3,508,000 | $ 194,888 | $ 71,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 18 | $ 5,061,000 | $ 281,166 | $ 116,000 |
| Portland-Vancouver-Beaverton, OR-WA | 17 | $ 4,019,000 | $ 236,411 | $ 77,000 |
| Santa Barbara-Santa Maria-Goleta, CA | 17 | $ 3,845,000 | $ 226,176 | $ 84,000 |
| Lake County-Kenosha County, IL-WI | 16 | $ 2,714,000 | $ 169,625 | $ 84,000 |
| Chico, CA | 14 | $ 1,989,000 | $ 142,071 | $ 54,000 |
| San Francisco-San Mateo-Redwood City, CA | 14 | $ 4,992,000 | $ 356,571 | $ 93,000 |
| Yuba City, CA | 14 | $ 2,346,000 | $ 167,571 | $ 48,000 |
| Merced, CA | 13 | $ 2,164,000 | $ 166,461 | $ 56,000 |
| Spokane, WA | 13 | $ 1,310,000 | $ 100,769 | $ 37,000 |
| Palm Bay-Melbourne-Titusville, FL | 12 | $ 1,466,000 | $ 122,166 | $ 43,000 |
| Colorado Springs, CO | 11 | $ 1,302,000 | $ 118,363 | $ 43,000 |
| Naples-Marco Island, FL | 11 | $ 1,944,000 | $ 176,727 | $ 72,000 |
| Peoria, IL | 11 | $ 887,000 | $ 80,636 | $ 46,000 |
| Sarasota-Bradenton-Venice, FL | 11 | $ 1,335,000 | $ 121,363 | $ 46,000 |
| Cape Coral-Fort Myers, FL | 10 | $ 1,409,000 | $ 140,900 | $ 79,000 |
| Lakeland, FL | 10 | $ 929,000 | $ 92,900 | $ 65,000 |
| Port St. Lucie-Fort Pierce, FL | 10 | $ 1,520,000 | $ 152,000 | $ 43,000 |
| Salt Lake City, UT | 10 | $ 845,000 | $ 84,500 | $ 39,000 |
| Columbus, GA-AL | 9 | $ 1,221,000 | $ 135,666 | $ 54,000 |
| Ogden-Clearfield, UT | 9 | $ 1,429,000 | $ 158,777 | $ 50,000 |
| Salinas, CA | 9 | $ 2,657,000 | $ 295,222 | $ 91,000 |
| Bremerton-Silverdale, WA | 8 | $ 1,178,000 | $ 147,250 | $ 54,000 |
| Eugene-Springfield, OR | 7 | $ 990,000 | $ 141,428 | $ 57,000 |
| San Luis Obispo-Paso Robles, CA | 7 | $ 1,690,000 | $ 241,428 | $ 56,000 |
| Santa Rosa-Petaluma, CA | 7 | $ 2,120,000 | $ 302,857 | $ 96,000 |
| Yakima, WA | 7 | $ 920,000 | $ 131,428 | $ 57,000 |
| Fort Collins-Loveland, CO | 6 | $ 1,162,000 | $ 193,666 | $ 71,000 |
| Hanford-Corcoran, CA | 6 | $ 794,000 | $ 132,333 | $ 46,000 |
| Olympia, WA | 6 | $ 729,000 | $ 121,500 | $ 49,000 |
| Pensacola-Ferry Pass-Brent, FL | 6 | $ 782,000 | $ 130,333 | $ 54,000 |
| Provo-Orem, UT | 6 | $ 911,000 | $ 151,833 | $ 86,000 |
| Rockford, IL | 6 | $ 482,000 | $ 80,333 | $ 42,000 |
| Champaign-Urbana, IL | 5 | $ 616,000 | $ 123,200 | $ 60,000 |
| Springfield, IL | 5 | $ 421,000 | $ 84,200 | $ 67,000 |
| El Centro, CA | 4 | $ 343,000 | $ 85,750 | $ 60,000 |
| Fort Walton Beach-Crestview-Destin, FL | 4 | $ 648,000 | $ 162,000 | $ 80,000 |
| Gainesville, FL | 4 | $ 267,000 | $ 66,750 | $ 82,000 |
| Gainesville, GA | 4 | $ 675,000 | $ 168,750 | $ 69,000 |
| Grand Junction, CO | 4 | $ 658,000 | $ 164,500 | $ 53,000 |
| Hagerstown-Martinsburg, MD-WV | 4 | $ 682,000 | $ 170,500 | $ 66,000 |
| Madera, CA | 4 | $ 622,000 | $ 155,500 | $ 67,000 |
| Medford, OR | 4 | $ 484,000 | $ 121,000 | $ 49,000 |
| Panama City-Lynn Haven, FL | 4 | $ 529,000 | $ 132,250 | $ 52,000 |
| Santa Cruz-Watsonville, CA | 4 | $ 987,000 | $ 246,750 | $ 52,000 |
| Tallahassee, FL | 4 | $ 426,000 | $ 106,500 | $ 66,000 |
| Bellingham, WA | 3 | $ 613,000 | $ 204,333 | $ 83,000 |
| Savannah, GA | 3 | $ 393,000 | $ 131,000 | $ 63,000 |
| Albany, GA | 2 | $ 252,000 | $ 126,000 | $ 67,000 |
| Augusta-Richmond County, GA-SC | 2 | $ 330,000 | $ 165,000 | $ 45,000 |
| Boulder, CO | 2 | $ 363,000 | $ 181,500 | $ 48,000 |
| Dalton, GA | 2 | $ 131,000 | $ 65,500 | $ 63,000 |
| Fort Wayne, IN | 2 | $ 196,000 | $ 98,000 | $ 126,000 |
| Macon, GA | 2 | $ 379,000 | $ 189,500 | $ 64,000 |
| Mount Vernon-Anacortes, WA | 2 | $ 330,000 | $ 165,000 | $ 75,000 |
| Napa, CA | 2 | $ 801,000 | $ 400,500 | $ 109,000 |
| Punta Gorda, FL | 2 | $ 197,000 | $ 98,500 | $ 47,000 |
| Salisbury, MD | 2 | $ 232,000 | $ 116,000 | $ 61,000 |
| Vero Beach, FL | 2 | $ 533,000 | $ 266,500 | $ 78,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 360,000 | $ 360,000 | $ 92,000 |
| Athens-Clarke County, GA | 1 | $ 400,000 | $ 400,000 | $ 215,000 |
| Bend, OR | 1 | $ 128,000 | $ 128,000 | $ 48,000 |
| Brunswick, GA | 1 | $ 132,000 | $ 132,000 | $ 108,000 |
| Corvallis, OR | 1 | $ 60,000 | $ 60,000 | $ 54,000 |
| Cumberland, MD-WV | 1 | $ 54,000 | $ 54,000 | $ 27,000 |
| Decatur, IL | 1 | $ 40,000 | $ 40,000 | $ 7,000 |
| Duluth, MN-WI | 1 | $ 274,000 | $ 274,000 | $ 72,000 |
| Greeley, CO | 1 | $ 85,000 | $ 85,000 | $ 158,000 |
| Kankakee-Bradley, IL | 1 | $ 203,000 | $ 203,000 | $ 55,000 |
| Kennewick-Richland-Pasco, WA | 1 | $ 90,000 | $ 90,000 | $ 29,000 |
| Las Vegas-Paradise, NV | 1 | $ 228,000 | $ 228,000 | $ 55,000 |
| Pueblo, CO | 1 | $ 76,000 | $ 76,000 | $ 12,000 |
| Reno-Sparks, NV | 1 | $ 242,000 | $ 242,000 | $ 39,000 |
| Salem, OR | 1 | $ 94,000 | $ 94,000 | $ 46,000 |
| St. George, UT | 1 | $ 153,000 | $ 153,000 | $ 50,000 |
| St. Louis, MO-IL | 1 | $ 116,000 | $ 116,000 | $ 61,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 140,000 | $ 140,000 | $ 77,000 |
| York-Hanover, PA | 1 | $ 223,000 | $ 223,000 | $ 44,000 |
Mortgage Loan Application Detail Totals for Meritlending.Com in 2004
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 2,399 | $429,145,000 | $162,125 | $1,102,000 | $63,625 | $600,000 |
| Home Purchase | 94 | $23,177,000 | $266,555 | $755,000 | $161,222 | $1,104,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not Provided | 2,207 | $395,649,000 | $175,714 | $1,102,000 | $64,214 | $1,104,000 |
| White | 208 | $40,070,000 | $165,538 | $700,000 | $69,538 | $365,000 |
| Hispanic | 47 | $9,946,000 | $198,428 | $435,000 | $61,571 | $181,000 |
| Black or African American | 20 | $3,902,000 | $155,666 | $721,000 | $52,333 | $169,000 |
| Asian | 8 | $2,159,000 | $201,666 | $495,000 | $73,666 | $103,000 |
| American Indian or Alaskan Native | 1 | $180,000 | $180,000 | $180,000 | $106,000 | $106,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $60,000 | $60,000 |
| Not applicable | 1 | $281,000 | $281,000 | $281,000 | $90,000 | $90,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,482 | $450,377,000 | $168,470 | $1,102,000 | $67,588 | $1,104,000 |
| FHA-insured (Federal Housing Administration) | 6 | $987,000 | $132,000 | $224,000 | $44,000 | $80,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $958,000 | $196,750 | $418,000 | $56,500 | $151,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,586 | $288,800,000 | $157,250 | $1,102,000 | $67,062 | $1,104,000 |
| Application Withdrawn By Applicant | 862 | $156,398,000 | $188,333 | $1,000,000 | $67,666 | $1,104,000 |
| Application Denied By Financial Institution | 45 | $7,124,000 | $157,777 | $400,000 | $60,333 | $300,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Collateral | 18 | $2,560,000 | $138,142 | $400,000 | $56,571 | $116,000 |
| Credit History | 11 | $1,439,000 | $127,000 | $215,000 | $61,000 | $96,000 |
| Other | 7 | $1,685,000 | $213,000 | $305,000 | $102,000 | $300,000 |
| Debt-To-Income Ratio | 2 | $279,000 | $139,500 | $187,000 | $16,500 | $33,000 |
| Unverifiable Information | 1 | $131,000 | $131,000 | $131,000 | $29,000 | $29,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $159,000 | $159,000 | $159,000 | $43,000 | $43,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Meritlending.Com's 2004 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Meritlending.Com's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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